UMB Financial Corp (UMBFO) income statement

UMBFONasdaqNational Commercial BanksFiscal year ends December 31Also trades as UMBF

Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Oct 29, 2026Score 19/309% below fair value

$25.62−0.02 (-0.08%)

Close on Oct 30, 2026Market cap $10.21BP/E 10.2Yield 1.21%

UMB Financial Corp income statement

Millions of USD, except per-share data. Shares in millions.

Line item	TTM Q3 2026 2026-09-30	TTM Q2 2026 2026-06-30	TTM Q1 2026 2026-03-31	TTM FY 2025 2025-12-31	TTM Q3 2025 2025-09-30	TTM Q2 2025 2025-06-30	TTM Q1 2025 2025-03-31	TTM FY 2024 2024-12-31	TTM Q3 2024 2024-09-30	TTM Q2 2024 2024-06-30	TTM Q1 2024 2024-03-31	TTM FY 2023 2023-12-31	TTM Q3 2023 2023-09-30	TTM Q2 2023 2023-06-30	TTM Q1 2023 2023-03-31	TTM FY 2022 2022-12-31	TTM Q3 2022 2022-09-30	TTM Q2 2022 2022-06-30	TTM Q1 2022 2022-03-31	TTM FY 2021 2021-12-31	TTM Q3 2021 2021-09-30	TTM Q2 2021 2021-06-30	TTM Q1 2021 2021-03-31	TTM FY 2020 2020-12-31	TTM Q3 2020 2020-09-30	TTM Q2 2020 2020-06-30	TTM Q1 2020 2020-03-31	TTM FY 2019 2019-12-31	TTM Q3 2019 2019-09-30	TTM Q2 2019 2019-06-30	TTM Q1 2019 2019-03-31	TTM FY 2018 2018-12-31	TTM Q3 2018 2018-09-30	TTM Q2 2018 2018-06-30	TTM Q1 2018 2018-03-31	TTM FY 2017 2017-12-31	TTM Q3 2017 2017-09-30	TTM Q2 2017 2017-06-30	TTM Q1 2017 2017-03-31	TTM FY 2016 2016-12-31
Revenue	3,010	2,916	2,828	2,652	2,366	2,093	1,794	1,629	1,566	1,515	1,489	1,462	1,462	1,468	1,506	1,468	1,427	1,382	1,314	1,283	1,376	1,356	1,322	1,291	1,151	1,126	1,099	1,098	1,072	1,051	1,030	1,012	1,008	1,002	999	982	960	943	919	898
Advertising Expenses	58	54	51	46	39	35	30	28	26	26	26	26	28	28	26	26	23	22	21	19	16	14	12	15	19	22	26	26	24	25	24	24	24	23	22	21	21	21	21	21
Interest Expense	–	–	–	–	–	–	–	–	–	1,090	1,032	919	774	591	379	224	113	58	46	46	48	49	52	77	108	146	182	192	189	173	149	122	97	80	67	58	49	39	32	28
Income from Equity Investments	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	-1.11	-0.89	1.29	2.46	2.70
Gain (Loss) on Investments	43	28	39	31	29	36	-3.43	11	11	8.79	12	-3.14	-4.56	-6.18	54	58	60	58	13	5.06	117	120	109	121	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–
Gain (Loss) on Sale of Assets	-2.74	-1.17	-1.01	-0.11	-0.08	1.33	1.33	3.20	3.25	1.79	6.13	4.34	4.16	4.24	0.77	3.06	3.27	2.49	0.72	2.67	1.63	2.39	3.17	0.80	1.90	1.53	2.06	0.37	2.81	3.55	3.10	2.72	103	103	102	103	1.11	0.02	1.51	0.76
Pretax Income	1,294	1,189	1,113	875	749	649	500	541	477	461	444	422	465	454	518	532	507	512	445	429	522	491	453	339	225	215	213	286	233	225	224	224	263	260	249	236	227	215	207	199
Income Tax Expense	261	246	231	173	142	120	88	100	85	82	76	72	85	84	100	100	97	95	79	76	91	82	70	52	28	29	31	42	31	27	28	27	45	50	51	53	48	46	46	45
Income from Continuing Operations	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	287	197	186	182	244	203	198	196	196	218	209	199	183	179	170	161	154
Income from Discontinued Operations	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	-0.75	64	63	61	64	-0.94	2.31	5.32	5.17
Net Income	1,032	943	883	702	607	528	412	441	392	379	368	350	379	371	418	432	410	416	366	353	431	409	383	287	197	186	182	244	203	198	196	196	282	272	260	247	178	172	167	159
Preferred Dividends	23	25	22	18	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–
Net Income to Common	1,009	917	861	685	595	524	410	441	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–
EPS (Basic)(per share)	13.28	12.08	11.34	9.35	8.90	8.77	8.01	9.05	8.06	7.80	7.58	7.22	7.83	7.66	8.65	8.93	8.48	8.62	7.58	7.31	8.96	8.52	7.97	5.95	4.07	3.83	3.74	4.99	4.16	4.05	4.00	3.97	5.71	5.52	5.27	5.02	3.63	3.51	3.41	3.25
EPS (Diluted)(per share)	13.21	12.01	11.27	9.29	8.83	8.70	7.95	8.99	8.00	7.75	7.53	7.18	7.78	7.61	8.59	8.86	8.41	8.54	7.50	7.24	8.88	8.46	7.93	5.93	4.06	3.81	3.71	4.96	4.13	4.02	3.97	3.93	5.66	5.47	5.22	4.96	3.59	3.47	3.37	3.22
Shares Outstanding (Basic, Weighted)(shares)	76	76	76	73	66	60	53	49	49	49	49	49	48	48	48	48	48	48	48	48	48	48	48	48	48	49	49	49	49	49	49	49	49	49	49	49	49	49	49	49
Shares Outstanding (Diluted, Weighted)(shares)	76	76	76	74	67	60	53	49	49	49	49	49	49	49	49	49	49	49	49	49	49	48	48	48	49	49	49	49	49	49	50	50	50	50	50	50	50	50	49	49
Dividend per Share(per share)	1.79	1.69	1.66	1.63	1.60	1.59	1.58	1.57	1.56	1.55	1.54	1.53	1.52	1.51	1.50	1.49	1.48	1.48	1.43	1.38	1.33	1.27	1.26	1.25	1.24	1.23	1.22	1.21	1.20	1.19	1.18	1.17	1.15	1.11	1.08	1.04	1.02	1.01	1.00	0.99
Total Interest Income	3,521	3,504	3,483	3,354	3,022	2,701	2,389	2,171	2,113	2,027	1,950	1,839	1,709	1,537	1,324	1,138	992	913	877	862	847	823	803	808	817	839	863	863	850	816	776	732	692	665	640	617	593	567	544	523
Net Interest Income	2,129	2,064	1,999	1,862	1,609	1,381	1,159	1,001	962	937	918	920	935	946	945	914	879	855	832	816	800	774	751	731	709	693	681	671	660	643	626	610	595	585	573	559	544	528	512	495
Non-Interest Income	881	852	829	790	757	712	635	628	603	578	571	542	527	523	561	554	548	527	482	467	577	582	571	560	442	433	418	427	411	409	404	402	413	416	426	424	416	415	407	403
Provision for Credit Losses	111	103	96	155	149	144	137	61	42	29	28	41	50	67	68	38	37	10	21	20	17	38	35	131	128	119	109	33	79	77	73	71	29	35	42	41	43	44	37	33
Non-Interest Expense	1,606	1,625	1,619	1,623	1,468	1,301	1,157	1,027	1,046	1,025	1,017	999	947	947	920	898	883	860	847	834	838	827	834	822	799	792	777	779	760	749	733	718	716	707	707	705	690	684	675	667

Italic numbers are calculated by StockData (for example Q4 = full year − nine months). Per-share data and share counts are adjusted for stock splits. Hover a number for its source; click it to open the filing on SEC.gov. Click a row to chart it.

Ratios

Latest available, balances at Sep 30, 2026

Profitability, TTM

Gross margin: –
Operating margin: –
Net margin: 34.3%
Return on equity, FY2025: 12.6%

Financial strength

Current ratio: –
Debt to equity: –
Debt to assets: –
Cash to current liabilities: –

Valuation

P/E ratio: 10.2
Price to sales: 3.39
Price to book: 1.30
Dividend yield: 1.21%